Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Buying a home in Kentucky? 🏡
Before you sign those final papers, you need to understand what closing costs really are — and how to keep them under control.

In this video, Joel Lobb, Senior Loan Officer (NMLS #57916) with EVO Mortgage, breaks down everything you need to know about closing costs in plain English — no jargon, no fluff.

✅ What’s included in your Kentucky closing costs
✅ Typical percentage ranges (2%–5%)
✅ How FHA, VA, and USDA loans handle costs differently
✅ What “escrow” actually means
✅ How to ask the seller to pay part (up to 6%!)
✅ 2025 updates on Kentucky Housing Corporation (KHC) Down Payment Assistance — up to $12,500

Whether you’re buying in Louisville, Lexington, Owensboro, Bowling Green, or anywhere across the Bluegrass, this guide will help you understand the real costs of homeownership — and how to save money before you close.

📞 Call/Text Joel: (502) 905-3708
🌐 Apply or Learn More: www.mylouisvillekentuckymortgage.com

📧 Email: kentuckymortgage@gmail.com

📍 Serving all 120 Kentucky counties — FHA, VA, USDA, Conventional, and KHC programs.